Zach Senft

Software Engineer | Builder | Economics

[Zach Senft @senftzach]

.

[kuz @kylekuzma]

It’s funny….every AI startup deck claims a data moat. 5% actually have one. Would your data be impossible to replicate even if a competitor raised $500M tomorrow? If yes cool you have a business.

[Zach Senft @senftzach]

Are we… back!

[Polymarket @Polymarket]

JUST IN: Uber’s COO says heavy AI spending is getting harder to justify, as higher token usage fails to show a clear payoff in consumer features.

[Zach Senft @senftzach]

Read it here 👇
https://t.co/nkPoixZVve

[Zach Senft @senftzach]

BNPL isn't dangerous because it's bad. It's dangerous because it's rational.

New Method Finance article that breaks down how Klarna actually works, why fragmentation kills clarity, and one question to ask before clicking "pay in 4."

[Zach Senft @senftzach]

People that use Klarna/Affirm - do yall actually read the terms?

[Zach Senft @senftzach]

22/ Full review on Substack 🧨

What book should I read next? Method Finance is building this as we go.

[https://t.co/HswyYN2LH0]

[Zach Senft @senftzach]

1/ Just finished The Psychology of Money by Morgan Housel.

20 short chapters on how we actually behave with money — not how the textbooks say we should.

Here's a one-line takeaway from each chapter 👇

[Zach Senft @senftzach]

21/ Ch 19 + 20: All Together Now / Confessions

Housel's own summary: less ego, longer time horizon, room for error, define your game.

His personal strategy: paid-off house, index funds, high cash reserves. Not optimal — reasonable.